Selected engagements and representative situations.
The portfolio below illustrates the types of situations Firma Advisory supports. Engagements are confidential by design — client names and outcomes are not disclosed. The cases here are anonymized and representative of typical client work.
Post-acquisition financial discipline across a multi-entity portfolio company
Situation
A mid-market private equity firm acquired a multi-entity company with fragmented banking relationships, no defined treasury structure, high FX costs, and limited visibility over consolidated liquidity. The investment thesis depended on financial discipline being introduced quickly.
Problem
Cash positioning was opaque at the group level. FX spreads were significantly above market. Banking pricing reflected legacy conditions. Reporting required manual reconciliation across entities. Capital allocation decisions were made without consolidated visibility.
What Firma Advisory does
A financial diagnostic establishes the baseline across entities. The treasury structure is redesigned around the group's operating model. A multi-bank strategy is defined, and FX pricing, fees, and credit terms are renegotiated. Implementation support is provided to internal teams through the transition.
Impact
Immediate reduction in banking and FX cost. Consolidated liquidity visibility at group level. Improved capital allocation discipline. A direct, measurable contribution to EBITDA improvement during the value creation period.
Cross-border banking and treasury framework for international expansion
Situation
A multinational expanding into a new region required a banking, FX, treasury, and payment structure that could function across jurisdictions while remaining coordinated with headquarters.
Problem
Banking was being set up locally without group coordination. FX exposure was building in places no one was monitoring. Headquarters lacked real-time visibility over local liquidity, and local teams operated without alignment to group treasury policy.
What Firma Advisory does
The cross-border banking and treasury architecture is designed end-to-end. An FX framework defines pricing, execution, and exposure management. Payment flows and intercompany funding are structured. A reporting model connects local entities to group treasury.
Impact
Reduced operational complexity across regions. Lower FX costs. Real-time alignment between headquarters and local finance. A banking structure built to scale with continued international growth.
Banking and FX cost optimization for a mid-sized corporate
Situation
A mid-sized company with long-standing banking relationships had limited internal capacity to assess pricing, FX execution, or credit terms relative to market. Banking conditions had not been actively reviewed in several years.
Problem
FX spreads were materially above market. Fee structures were opaque. Credit terms reflected the conditions of an earlier phase of the business. The company lacked benchmarks against which to negotiate.
What Firma Advisory does
Pricing is analyzed across FX, fees, payments, and credit. Benchmarks are established. A negotiation strategy is defined, and Firma supports the client directly through the renegotiation with existing banks and selected new counterparts.
Impact
Material reduction in FX and banking costs. Improved pricing transparency. A stronger ongoing negotiating position with banking counterparts. Banking conditions aligned with the current scale and risk profile of the business.
External treasury and banking advisory for a European SME
Situation
A European SME worked with several large international banks but lacked the internal treasury capacity to manage these relationships actively. The company was treated as a lower-priority client by its banks, with limited transparency and weak negotiation leverage.
Problem
Pricing on FX, payments, and credit was set without effective challenge. The company had no independent benchmark, no consolidated view of cost across services, and no structured engagement model with its banking counterparts.
What Firma Advisory does
Firma operates as an external, senior treasury and banking advisor. Pricing analysis, benchmarking, and a banking strategy are developed. Renegotiation is supported directly, and an ongoing review cadence is established to maintain leverage over time.
Impact
Improved banking pricing and conditions. Structured decision-making with banking counterparts. A more balanced and professional relationship with large banks, sustained over time.
Treasury and financial infrastructure build-out for a scaling company
Situation
A fast-growing company had built revenue, headcount, and international footprint faster than its financial infrastructure. Treasury existed in name only. Cash forecasting, reporting, and process governance were ad hoc.
Problem
No real-time visibility over liquidity. Manual processes carrying operational risk. Limited coordination across finance and operations. A financial function unable to scale at the rate the business required.
What Firma Advisory does
A treasury framework is designed from first principles around the business. Cash forecasting and reporting are standardized. Bank connectivity and key system integrations are scoped and implemented. Process governance is introduced across finance and operations.
Impact
Full cash visibility across entities. Reliable forecasting and reporting. Reduced operational risk. A financial infrastructure capable of supporting the next phase of growth without re-engineering.
These examples reflect typical situations where Firma Advisory supports clients. All cases are illustrative and based on experience across global banking and financial advisory environments. Specific client names, results, and identifying details are not disclosed.
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